Compare Bank & Credit Union Rates
Best auto loan rates in Florida
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–15 of 127 in Florida · median 4.99% APR
- tMH Federal Credit UnionNew Auto/ Used Auto (Five Years or Newer) · up to 60 months
Credit union · 2 branches
3.35%APRas low as · up to 18.00%3.35% APR, up to 18.00%
Auto loan score 89 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 3.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as disclosed applies when automatic payment from the PSFCU Checking Account is selected; rates are 0.25% higher without automatic payment. The rate you receive will be based upon your credit history, collateral, and loan character.
Auto loan score 93 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 3.84%APRas low as
Terms
Rates as low as stated APR. Assumes excellent credit. In partnership with TrueCar.
Auto loan score 91 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 3.89%APRas low as
Terms
As low as rate based on creditworthiness and term.
Auto loan score 96 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 2.99%APRas low asunusually low · being checked
Terms
Rates as low as 2.99% APR for financing or refinancing a vehicle. Loan decisions are based on applicant creditworthiness.
Auto loan score 94 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 3.25%APRas low asunusually low · being checked
Terms
Rates as low as 3.25% APR. Terms up to 84 months. Rate based on creditworthiness and term of loan. Pre-approved new or used Keys Federal Credit Union Auto Loan.
Auto loan score 94 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
APR as low as 3.99% for 60 months. Minimum loan amount $5,000. Maximum rate 18% APR. Vehicles 2017 or newer.
Auto loan score 94 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as · up to 18.00%
3.99% APR, up to 18.00%
Terms
Autos up to 10 years old. Financing up to 125%. Terms up to 84 months.
Auto loan score 94 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Rates as low as 3.99% APR. Rates subject to change without notice. All loans subject to credit approval; actual rate and terms may vary based on creditworthiness, loan term, and vehicle age. First payment may be deferred for up to 90 days; interest begins accruing from the date of loan disbursement. Membership required.
Auto loan score 94 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Fixed APR as low as 3.99% based on credit score. Flexible terms up to 72 months.
Auto loan score 94 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
APR as low as 3.99%. Mileage up to 100,000. New/used vehicle loans up to 6 years from current. Rate includes a .50% rate discount for hybrid, electric, or fuel efficient vehicles with combined MPGs >= 35.
Auto loan score 91 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Auto loan score 86 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.09%APRas low as · up to 13.14%with conditions
4.09% APR, up to 13.14%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes up to 0.90% discount. Rates based on creditworthiness and percentage down.
Auto loan score 92 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.09%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
The 'as low as' rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Auto loan score 89 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as · up to 14.99%
4.24% APR, up to 14.99%
Terms
Newer - 5 recent model years.
Auto loan score 91 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in Florida
127 banks and credit unions · checked Oct 15–22
- Typical
- 4.99%
- Top 10% up to
- 4.09%
- Banks, typical
- 6.24%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Florida
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Innovations Financial Credit UnionCredit union · 9 branches
- Oxford Federal Credit UnionCredit union · 1 branch
- Climate First BankBank · 4 branches